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" ... This a where a 10-year term life insurance policy on Leigh would make a significant difference. If they purchased a $1 million term policy on Leigh now, the premium (for a nonsmoker in good health) would be around $1,200 annually. Should Leigh die this year, if Mischa invested the insurance payment, it would have a high probability of growing to $1.5 million in 10 years. This would allow Mischa to retire comfortably. ... "